Largest lenders in Kosciusko County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Lake City Bank | B | 544 | 434 | 10.1% | 7.75% |
| 2 | Ruoff Mortgage Company | A | 277 | 213 | 1.1% | 6.88% |
| 3 | First Federal Savings Bank | A | 181 | 168 | 1.1% | 7.00% |
| 4 | Everwise Credit Union | C | 165 | 109 | 18.2% | 7.38% |
| 5 | Interra Credit Union | C | 134 | 82 | 20.9% | 7.50% |
| 6 | United Shore Financial Services | B | 103 | 84 | 7.8% | 6.13% |
| 7 | Rocket Mortgage | C | 100 | 78 | 13.0% | 7.13% |
| 8 | Northwest Bank | B | 91 | 73 | 9.9% | 6.25% |
| 9 | Zippy Loans | D | 91 | 26 | 33.0% | 8.00% |
| 10 | 1st Source Bank | B | 83 | 59 | 24.1% | 7.50% |
| 11 | PNC Bank | D | 74 | 34 | 33.8% | 7.71% |
| 12 | Horizon Bank | A | 73 | 54 | 13.7% | 6.13% |
| 13 | Cardinal Financial Company, Limited Partnership | B | 72 | 60 | 2.8% | 6.99% |
| 14 | American Neighborhood Mortgage Acceptance Company | B | 72 | 53 | 2.8% | 6.75% |
| 15 | Geneva Financial | C | 56 | 49 | 3.6% | 6.75% |
| 16 | Fifth Third Bank | D | 49 | 28 | 28.6% | 7.75% |
| 17 | Beacon Credit Union | C | 48 | 37 | 16.7% | 7.38% |
| 18 | Newrez | D | 46 | 14 | 26.1% | 6.75% |
| 19 | Freedom Mortgage | B | 44 | 20 | 13.6% | 6.25% |
| 20 | Three Rivers Federal Credit Union | C | 43 | 31 | 18.6% | 6.75% |
| 21 | 21st Mortgage | F | 40 | 10 | 47.5% | 10.12% |
| 22 | Mortgage Research Center | C | 40 | 21 | 10.0% | 6.13% |
| 23 | Crossroads Bank | A | 39 | 34 | 2.6% | — |
| 24 | Carrington Mortgage Services | D | 38 | 9 | 44.7% | 6.50% |
| 25 | Old National Bank | B | 37 | 27 | 16.2% | 6.38% |
Best approval odds in Kosciusko County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Federal Savings Bank | 171 | 1.2% |
| 2 | Ruoff Mortgage Company | 245 | 1.2% |
| 3 | Cardinal Financial Company, Limited Partnership | 72 | 2.8% |
| 4 | American Neighborhood Mortgage Acceptance Company | 55 | 3.6% |
| 5 | Geneva Financial | 51 | 3.9% |
| 6 | United Shore Financial Services | 92 | 8.7% |
| 7 | Lake City Bank | 510 | 10.8% |
| 8 | Northwest Bank | 82 | 11.0% |
| 9 | Rocket Mortgage | 94 | 13.8% |
| 10 | Horizon Bank | 67 | 14.9% |
What Kosciusko County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Kosciusko County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,944 | 1,994 | 15.7% | 7.38% | $125,000 |
| 2024 | 3,434 | 2,290 | 17.2% | 7.38% | $135,000 |
| 2025 | 3,509 | 2,358 | 14.9% | 7.00% | $145,000 |
Frequently asked questions
14.9% of applications in Kosciusko County were denied in 2025, against 16.6% statewide in Indiana.
Lake City Bank, with 544 applications in 2025 and a denial rate of 10.1%.
The median mortgage application in Kosciusko County in 2025 was for $145,000; the median property value on originated loans was $285,000.